Strategic Payments Operations Specialist

About the role

This person will work closely with leadership and business areas, connecting transactional data, commercial terms and the technical characteristics of payment methods to identify opportunities, solve problems and support decisions that impact approval rates, costs, profitability and customer experience.

The position requires autonomy, critical thinking and the ability to drive initiatives across different areas and partners, from diagnosis through validation of results.

Key responsibilities

Analyze the performance of payment partners, identifying opportunities to improve approval rates, costs, availability and operational quality.

Assess the composition of processing costs, including MDR, interchange, card scheme fees, acquirer markup, prepayment (anticipation) and additional services.

Build profitability analyses and scenarios to support decisions on pricing, negotiation, volume distribution and partner selection.

Manage relationships with acquirers, card schemes, banks and other partners, leading technical and commercial discussions and following up on agreed commitments.

Investigate discrepancies between contracted terms, charges and operational data, working with the responsible teams to resolve them.

Support routing and volume migration decisions, jointly considering approval rates, total cost, available features and partners’ operational capacity.

Translate market rules, pricing changes and partner requirements into concrete impacts and actions for the business.

Work with Product, Technology, Performance, Finance, Treasury, Operations, Commercial, Legal and Compliance to implement improvements.

Produce clear analyses and executive communications, presenting evidence, financial impact, risks and recommended actions.

Organize priorities, dependencies and next steps, following initiatives through to implementation and proof of results.

Requirements

Must-have

At least 3 years of experience in the payments industry (e.g., acquirers, PSPs, payment facilitators, card schemes, wallets, banks or fintechs), with solid knowledge of how the card ecosystem works, including interchange, scheme fees, MDR and the roles of acquirers and issuers.

Strong analytical profile, with the ability to work with large volumes of data, build P&L and profitability analyses, and turn numbers into recommendations.

Advanced Excel skills, including data modeling and scenario analysis.

Hands-on experience using AI tools to increase efficiency in analysis and operational workflows, combined with the data fundamentals to validate their outputs.

Advanced English, written and spoken.

Ability to work at a fast pace and adapt quickly to constant changes in the Brazilian regulatory and market landscape (e.g., Central Bank regulations, scheme rule changes).

Strong communication and stakeholder management skills, with the ability to collaborate across multiple areas and with external partners.

Based in, or willing to work from, São Paulo.

Nice-to-have

Business or commercial background, including exposure to negotiation, pricing and partner management.

Experience with the Brazilian payments landscape, including Pix, alternative payment methods and wallets.

Knowledge of MCC, interchange optimization, FX or prepayment (anticipation) dynamics.

Experience investigating billing discrepancies and working with billing or reconciliation teams.

Interest in market trends and in building a network of contacts across the payments industry.

EBANX offers:

Performance Bonus: Annual bonus program based on company results.

Meal Allowance: Monthly allowance to support your meals.

EBANX Education: Financial assistance for undergraduate, graduate, and MBA programs to support your professional growth.

EBANX Skills: Dedicated budget for courses, certifications, and workshops to encourage continuous learning.

Language Classes: Language classes to support your personal and professio